Why Invest in Bonds?
Bonds are thought to be an investor's idea of a safe investment. When the stock market is in trouble, investors take their money from the equity market and put it into bonds. Also, investors feel bonds are perfect for a portfolio where they require some sort of fixed income. A bond's coupon payment would work nicely in this case. However, research may lead us to a different story. Is a bond a better overall investment during these two situations listed above, and many others like them? Peter Lynch, former fund manager at Fidelity for the Magellan Fund, and author of "Beating the Street", does not think so. Lynch feels that no matter what the circumstance, stocks will always outperform bonds (Lynch, 15).
In the beginning of Lynch's story on stocks versus bonds, Lynch is quick to point out that (in 1993 when the book was written) 90 percent of the nation's investment dollars are not in stocks, but in bonds, certificates of deposit, or money-market accounts. This almost makes it seem like investors are afraid of the stock market, or more so the risk associated with the market's volatility. An example of this is the 1980s, when stocks had their second best returns overall for the decade, topped only by the 1950s. During that time in the 1980s, the percentage of household assets invested in stocks declined and has been declining since the 1960s, from 40 percent to 25 percent in 1980 to 17 percent in 1990. As well, investment in equity mutual funds declined from 1980 to 1990 by nearly 39 percent. Lynch's biggest quarrel with this is the fact that major stock indexes including the Dow Jones average were quadrupling during these time periods. (Lynch, 15) If investors had put and kept their mone...
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[3] http://www.globalaging.org/pension/us/private/StokBond.htm
Bibliography
Fisher, Kenneth L. (2002). Bonds, Not Books. Published on the Web 12/9/02. http://www.forbes.com/free_forbes/2002/1209/206.html
Lynch, Peter, with Rothchild, John. (1994). Beating the Street. New York: Fireside.
National Center for Health Statistics. (2000). Fast Stats A to Z: Life Expectancy. Published on the Web 11/5/02.
http://www.cdc.gov/nchs/fastats/lifexpec.htm
Pryor, Austin, with Biller, Mark. (2002). Stocks vs. Bonds: Picking the Right Mix for Your Situation. Published on the Web 11/1/02. http://www.soundmindinvesting.com/vsection/v_newsletter/0211/feature.htm
Schultz, Abby. (2002). Stocks vs. Bonds: A Risk Scoreboard. New York Times 6/30/02. http://www.globalaging.org/pension/us/private/StokBond.htm
The Minnesota State High School League states that student athletes are not allowed to ingest in any way supplements containing the chemicals creatine, androstenedione, ephedrine, or any other similar or performance enhancing drugs unless under direction of a licensed medical professional. They also reserve the right to at any time randomly drug test all athletes participating in high school sports. The MSHSL bases their policies off of the World Anti-Doping Agency prohibited ...
"Who Should Invest With Us - Edward Jones: Making Sense of Investing." Edward Jones. Web.
As shown above, curfew laws can play a very critical role in a teenager’s life. It can assist with keeping the city safer, help them get enough sleep, and help them build their personal skill under a well-structured system routine. A lot of people might find curfew laws for teenagers unconstitutional and contradict the first amendment, so they decide not to abide with it. But by doing so, they are placing more a bigger experience to teenagers who are still working on developing their skills to take on new challenges. After all, Teenagers are the future of our society if we don’t teach, coach, direct, and offer guidance their future will be unstable and unproductive and that will affect the entire nation.
In early 1928 the Dow Jones Average went from a low of 191 early in the year, to a high of 300 in December of 1928 and peaked at 381 in September of 1929. (1929…) It was anticipated that the increases in earnings and dividends would continue. (1929…) The price to earnings ratings rose from 10 to 12 to 20 and higher for the market’s favorite stocks. (1929…) Observers believed that stock market prices in the first 6 months of 1929 were high, while others saw them to be cheap. (1929…) On October 3rd, the Dow Jones Average began to drop, declining through the week of October 14th. (1929…)
For starters, curfew keeps children safer than usual. When you have children just roaming the streets, something bad is bound to happen. It’s always that one experimental friend that says “hey guys, let’s go try this”. Well this one statement can lead to a heap of trouble. According to a recent study done, there has been a 97 percent drop of juvenile delinquents (Seith 1). What this means is with curfew incorporated within the community the rate of children going to juvenile centers has significantly decreased.
Wright, D., & Hinson, M. (2008). Examining the Increasing Impact of Social Media on the Public Relations Practice. International Public Relations Research, 11, 1-21.
Wagner also points out that curfews are ineffective. Statistics show that more juvenile crimes actually occur during times not under the city’s curfew (Youth Today). Espejo reports that, “According to the FBI, ‘Youth between the ages of 12 and 17 are most at risk of committing violent acts and being victims between 2 p.m. and 8 p.m.” These are times outside the range of curfew laws (23). According to McKinny, a curfew’s purpose is to protect youth from crime (Time.com). The times of frequent youth criminal activities do not match up with the times of curfew ordinances, thus proving that the curfews are ineffective in reducing juvenile crime.
In American there is a freedom to believe in any religion that can be thought of. From Christianity to Confucianism to even vampirism, people can believe whatever they wish and the government cannot say anything about it. In other countries this is...
In the year 1800, overall life expectancy was about 30 years (Bloom). In 1850, life expectancy increased to 41 years (Goldstein). Later, total life expectancy rose to 52.3 years in 1963 (Bloom). Sixteen year old males and females in 1998 had total life expectancies of 59.9 and 65.1 years (Perenboom). In 2001, total life expectancy was 78.9 years for females and 73.5 years for males. Of those years, 70.3% and 58.6% were spent in good health, respectively (Wood). The increase in total life expectancy is global. Countries with a total life expectancy of less than 40 saw an increase of ten years in the period between 1963 and 2003. During the same time period, countries with mid-ranged life expectancy [around 5 years] saw an additional 20 years added to their lives...
Center for Disease Control and Prevention, (2011) Life Expectancy, Retrieved June 20th, 2014 from www.cdc.gov/nchs.fastats/life-expecatncy.htm
William Sharpe, Gordon J. Alexander, Jeffrey W Bailey. Investments. Prentice Hall; 6 edition, October 20, 1998
As American society has evolved in the past 100 years and technology has increased and improved, so has the life expectancy for individuals. Currently, females can expect to live for 81 years on average, while males can expect to live for 75 years, giving an average life expectancy of 78.3 years (Santrock, 2013, p.536). According to Santrock (2013), “since 1900, improvements in medicine, nutrition, exercise, and lifestyle have increased our life expectancy an average of 30 additional years,” but another important factor is the decreasing infant mortality, allowing a larger population of people, including older adults (p.536). Making good choices in diet, regular exercise, avoiding drugs and alcohol, along with getting enough sleep and maintaining a low and healthy stress level can all increase life expectancy. Relationships, emotional well-being, and having purpose all also play an important role in determining how long an individual will live. As people are living longer, more ...
This country runs on freedom. With curfews many conjecture it's taking away teen’s rights as a citizen. “If a movie theater can keep minors out of a R-rated movies, why can't a law keep minors from staying out late?” The articles suggests. Curfews don't take away teen rights because all minor have different rights than adults. If you're younger than eighteen years old your parents still have legal rights over you. Even though Johnny’s parents are both mentally and physically abusive, they still have parental rights over Johnny until he is
Many believe that teens are responsible for a large percentage of crimes, particularly violent ones, and that having a curfew in effect helps lower crime rates. In one study, the average adult surmised that teens amount for 43% of all violent crimes, when in reality the number is only a mere 13%, and this number is made up by only a half percent of minors (Cobey). If this is the reason for creating curfews, it is clearly a discrimination against all minors, as reproving 99.5% of young citizens due to an inconsequential number of minors committing crime is certainly unjust.
Keeping kids out of trouble is another reason why policy makers may feel that juvenile curfew should be implemented. Most people believe that after a certain time of night, there is nothing positive happening. This may cause the minor to be involved in something they probably shouldn’t be doing. ADD